Welfare broker

HARCO FINANCIAL SERVICES

Mailing address (most recent filing)

6707 GESSNER ROAD

HOUSTON, TX 77040

Total comp: $201K
Commissions: $201K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where HARCO FINANCIAL SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIANCE STANDARD LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$2.2M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
TX	1	$2.2M	0.0%	16.72x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of HARCO FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 11.78% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HARCO FINANCIAL SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HARCO FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SPEC'S FAMILY PARTNERS, LTD. SPEC'S FAMILY PARTNERS, LTD. SUPPLEMENTAL BENEFITS	TX	$2.2M	$264K	RELIANCE STANDARD LIFE INSURANCE COMPANY